Terms & Conditions

Ricardo Murtough Holdings (RMH) – Terms and Conditions

Last Updated: 21st of October 2025
Governing Law: England and Wales

1. Introduction

Welcome to Ricardo Murtough Holdings (“RMH”, “we”, “us”, or “our”). These Terms and Conditions (“Terms”) govern your use of our website, communications, and any services offered by RMH, including but not limited to our Advisory Services and Trading & Funds activities.

By accessing our website, contacting us, or engaging with our services, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must not use our website or services.

2. Legal Status

RMH currently operates as an unregistered entity in the United Kingdom and intends to register as a Limited Liability Partnership (LLP). All operations are conducted under the laws of England and Wales.

3. Nature of Services

RMH provides two main categories of service:

• Trading & Funds: (As seen on the "Trading & Funds" page on this website) RMH manages a public model portfolio "Pie" (the "RMH Core Hedge” linked on this website) via the Trading212 platform, a regulated third-party broker. RMH does not hold or manage client money or execute trades on behalf of others.

• Advisory Services: (As seen on the "Advisory" page on this website) RMH provides a range of multidisciplinary consulting and advisory services, which may include:

  • Legal Compliance and General Legal Guidance

  • Financial Planning and Budgeting

  • Advice on Debt Resolution

  • Asset Procurement

  • Mergers & Acquisitions Support

  • Management and Business Consulting

  • Web Development and E-commerce Solutions

  • Budgeting, Forecasting, and Operational Planning

These services are designed to be general, educational, and strategic in nature. They do not constitute regulated legal advice, financial advice, accounting, or fiduciary services.

RMH is not authorised or regulated by the Financial Conduct Authority (FCA), the Solicitors Regulation Authority (SRA), or any other professional body. All advice provided is general and informational.

4. General Disclaimer

Nothing on our website, in our communications, or through our services constitutes:

• Formal legal advice or representation;

• Personalised investment or financial advice;

• Accounting, auditing, or tax services; or

• Any other regulated professional service under UK law.

All content is provided for general guidance and educational purposes only. You are solely responsible for making your own business, financial, and legal decisions and should seek appropriate professional advice where required.

The RMH Trading212 Pie labelled "RMH Core Hedge" and linked on our website is our model portfolio which should be used for general purposes only, not for guaranteeing investment returns or individual advice.

RMH accepts no responsibility or liability for:

• The use or implementation of our recommendations or materials,

• Any losses, damages, or negative outcomes (financial or otherwise) resulting from that use, or

• The actions or inactions of third parties connected to a client’s business or project or use of said materials or recommendations or information provided in any form.

By engaging RMH, you acknowledge and agree that RMH’s role is advisory only, that outcomes cannot be guaranteed, and that RMH shall not be held liable for any direct, indirect, or consequential loss arising from your reliance on our services.

5. Risk Disclosure

Business, legal, and financial activities inherently carry risk. Market conditions, legislation, and operational outcomes may change over time.
RMH makes no guarantees regarding the performance, success, or results of any decision made based on our information or consultancy.
By engaging with RMH, you acknowledge and accept these risks in full.

By committing to any of our services, or by contacting us, you are satisfied with the content on our website (this website).

6. Use of External Brokers and Model Portfolio

Our Trading & Funds service operates exclusively through external, regulated brokers such as Trading212. RMH does not operate its own brokerage or hold client money.

You agree to:

• Follow the terms and conditions of those brokers;

• Accept that profits and losses are inherent to trading; and

• Acknowledge that RMH is not responsible for performance, outages, or losses on broker platforms.

The RMH Trading & Funds Pie represents RMH’s own model portfolio. It is not personalised to individual users. Users who choose to copy or follow this portfolio do so voluntarily and remain fully responsible for all investment decisions and outcomes.

RMH operates independently and is not affiliated, associated, or endorsed by Trading212 or any other broker. All references to third-party platforms are descriptive only. Users remain bound by their respective brokers’ terms and conditions.

7. Advisory Services

Our Advisory Services cover a wide range of general consulting activities as described above.
While RMH strives to provide accurate, strategic, and practical insights, we do not guarantee any specific results or outcomes.
Our services are provided “as is” without warranty or assurance of success.

Services are provided on a non-specialist guidance basis only. This applies for all of RMH's services.

8. Fees, Billing, and Payment

• Advisory Services are billed in advance based on RMH’s estimated billable hours, which are communicated to the client before work begins.

• All fees are in GBP (£) and payable by bank transfer to the account specified by RMH.

• Work will not commence until full payment has been received.

• If work is completed in less time than estimated, RMH will refund the value of unused hours within 10 business days of completion.

• Additional hours will only be billed with the client’s prior written approval.

• Hourly rates and estimates are provided upon request.

9. Cancellations and Refunds

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, clients ordinarily have a 14-day cooling-off period after agreeing to services.

By requesting that RMH commence work within that 14-day period, you waive your statutory right to cancel once work has begun.
Refunds are available only for unused prepaid hours or where RMH is unable to deliver the agreed service.

10. Communications and Agreement

• All formal communications, invoices, and notices between RMH and clients are conducted via email only.

• By contacting RMH or requesting our services, you confirm that you have read and agree to these Terms and Conditions, and that any communication from RMH forms part of the contractual relationship between you and RMH.

• You must not change your primary method of contact during an active engagement. RMH relies on a verified communication channel to confirm identity and exchange information securely.

• If you change or lose access to your original contact method without providing prior notice and confirmation to RMH, we may be unable to verify your identity. In such circumstances, RMH reserves the right to terminate services immediately.

• If services are terminated because of a change or loss of verified contact method, no refund will be issued, even if work has not been completed.

• If RMH loses contact with you, or you stop responding to our communications, we reserve the right to terminate services immediately. If no viable response is received from you within 14 days of our last email, services will be deemed terminated by default. No refund will be due for any remaining work in such circumstances.

11. Privacy and Data

• RMH does not collect personal data beyond what is voluntarily provided via email.

• You agree not to send sensitive or confidential personal information.

• Data is used solely for responding to enquiries or delivering services.

• RMH will register with the Information Commissioner’s Office (ICO) when legally required.

Please refer to our forthcoming Privacy and Cookies Policy for further details.

12. Limitation of Liability

To the fullest extent permitted by law:

• RMH shall not be liable for any direct, indirect, incidental, consequential, or special losses arising from your use of our website, services, or reliance on any information provided.

• RMH makes no guarantees regarding the accuracy, completeness, or suitability of its information or advice.

• RMH is not responsible for any losses, performance, or outcomes arising from third-party services, brokers, or business partners.

• Nothing in these Terms excludes liability for fraud, negligence, or any matter that cannot be excluded under law.

13. Indemnity

You agree to indemnify and hold harmless RMH, its partners, and staff from any claims, damages, liabilities, or expenses resulting from your breach of these Terms, misuse of our services, or reliance on our content.

14. Intellectual Property

All materials, text, graphics, and original content created by RMH are owned or licensed by RMH.
You may not copy, reproduce, or distribute any material without our prior written consent.

15. Updates to Terms

RMH may update these Terms at any time.
The latest version will be published on our website with an updated “Last Updated” date.
Continued use of RMH’s website or services after changes are made constitutes acceptance of the revised Terms.

16. Dispute Resolution

RMH aims to resolve all issues amicably. If a dispute arises, both parties agree to attempt resolution through discussion or arbitration before taking legal action.
If unresolved, disputes will fall under the exclusive jurisdiction of the courts of England and Wales.

17. Force Majeure

RMH is not liable for failure or delay in performance caused by events beyond its reasonable control, including natural disasters, technological failures, or government restrictions.

18. Severability

If any clause of these Terms is found invalid or unenforceable, the remaining provisions will continue in full effect.

19. Precedence of Terms / Battle of the Forms

All business and communications with RMH are governed exclusively by these Terms and Conditions.
By contacting RMH, requesting services, or otherwise engaging with us, you agree that these Terms shall apply to the exclusion of any other terms, conditions, or contractual provisions which you or any third party may seek to impose or incorporate, whether by reference, document, correspondence, or conduct.

RMH expressly rejects and objects to any additional or conflicting terms proposed by any other party, whether communicated before or after engagement.
No variation or addition to these Terms shall be effective unless expressly agreed in writing and signed by a partner of RMH.

Any attempt by another party to impose alternative terms by issuing purchase orders, correspondence, quotations, or other documents shall have no legal effect and shall not form part of any agreement with RMH, even if RMH proceeds with the engagement or provides services.

20. Contact

For all legal, emergency, or business communications, please contact:

partners@murtough.com
Ricardo Murtough Holdings (RMH)
United Kingdom